IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA. Federal Trade Commission

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1 Case :-cv-0-gms Document Filed 0// Page of 0 Federal Trade Commission v. IN THE UNITED STATES DISTRICT COURT Plaintiff, American Business Builders, LLC, et al., FOR THE DISTRICT OF ARIZONA Defendants. No. CV--0-PHX-GMS AMENDED STIPULATED FINAL ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT AGAINST DEFENDANTS AMERICAN BUSINESS BUILDERS, LLC; UMS GROUP, LLC; UNITED MERCHANT SERVICES, LLC; UNLIMITED TRAINING SERVICES, LLC; AND SHANE MICHAEL HANNA Plaintiff, the Federal Trade Commission ( Commission or FTC ), filed its Complaint for Permanent Injunction and Other Equitable Relief on November,, subsequently amended on December, ( Complaint ), pursuant to Sections (b) and of the Federal Trade Commission Act ( FTC Act ), U.S.C. (b) and b. The Complaint alleges that Defendants American Business Builders, LLC; ENF, LLC (also doing business as Network Market Solutions); UMS Group, LLC; United Merchant Services, LLC; Universal Marketing and Training, LLC; Unlimited Training Services, LLC; Shane Michael Hanna (also known as Shane Michael Romeo); and Stephen Spratt violated Section of the FTC Act, U.S.C. (a) and the Commission s Trade Regulation Rule entitled Disclosure Requirements and Prohibitions Concerning Business Opportunities, C.F.R. Part, as amended. That same day, the Court entered a Temporary Restraining Order with Asset Freeze, Appointment of a Temporary

2 Case :-cv-0-gms Document Filed 0// Page of 0 Receiver and Other Equitable Relief, and Order to Show Cause why a Preliminary Injunction Should Not Issue and a Permanent Receiver Should Not be Appointed ( TRO ). The Court subsequently extended the TRO by stipulation of the parties. On August,, the Court entered an Order re Preliminary Injunction with Asset Freeze, Appointment of Receiver and Other Equitable Relief with Respect to All Defendants ( Preliminary Injunction ). On December,, the Court entered an order modifying the Preliminary Injunction to transfer possession of two jet skis, a jet-ski trailer, and a travel trailer owned by Shane Michael Hanna to the Receiver appointed over the Corporate Defendants for liquidation. The Commission and Defendants American Business Builders, LLC; UMS Group, LLC; United Merchant Services, LLC; Unlimited Training Services, LLC; and Shane Michael Hanna have stipulated to the entry of this Stipulated Order for Permanent Injunction and Monetary Judgment ( Order ) to resolve all matters in dispute in this action between them. THEREFORE, IT IS ORDERED as follows: FINDINGS. This Court has jurisdiction over this matter.. The Complaint charges that Defendants participated in deceptive acts or practices in violation of Section of the FTC Act, U.S.C., and violated the FTC s Trade Regulation Rule entitled Disclosure Requirements and Prohibitions Concerning Business Opportunities, C.F.R. Part, as amended, in connection with the advertising, marketing and sale of a business opportunity.. Defendants neither admit nor deny any of the allegations in the Complaint, except as specifically stated in this Order. Only for purposes of this action, Defendants admit the facts necessary to establish jurisdiction.. Defendants waive any claim that they may have under the Equal Access to Justice Act, U.S.C., concerning the prosecution of this action through the date of this Order, and agree to bear their own costs and attorney fees. Defendants further - -

3 Case :-cv-0-gms Document Filed 0// Page of 0 waive and release any claims they may have against the Commission, its employees, representatives, or agents, and the Receiver, its employees, representatives, or agents.. Defendants and the Commission waive all rights to appeal or otherwise challenge or contest the validity of this Order. DEFINITIONS For purposes of this Order, the following definitions shall apply: A. Business opportunity means a commercial arrangement in which:. A business opportunity seller solicits a prospective purchaser to enter into a new business; and. The prospective purchaser makes a required payment; and. The business opportunity seller, expressly or by implication, orally or in writing, represents that the business opportunity seller or one or more designated persons will: a. Provide locations for the use or operation of equipment, displays, vending machines, or similar devices, owned, leased, controlled, or paid for by the purchaser; or b. Provide outlets, accounts, or customers, including, but not limited to, Internet outlets, accounts, or customers, for the purchaser s goods or services; or c. Buy back any or all of the goods or services that the purchaser makes, produces, fabricates, grows, breeds, modifies, or provides, including but not limited to providing payment for such services as, for example, stuffing envelopes from the purchaser s home. B. Business opportunity seller means a person who offers for sale or sells a business opportunity. C. Charitable contribution means any donation or gift of money or any other thing of value. D. Corporate Defendants means American Business Builders, LLC; UMS - -

4 Case :-cv-0-gms Document Filed 0// Page of 0 Group, LLC; United Merchant Services, LLC; Unlimited Training Services, LLC; and their successors and assigns. E. Defendants means Individual Defendant and the Corporate Defendants, individually, collectively, or in any combination. F. Designated person means any person, other than the business opportunity seller, whose goods or services the business opportunity seller suggests, recommends, or requires that the purchaser use in establishing or operating a new business. G. Do Not Call request means a statement by a person that he or she does not wish to receive outbound telephone calls by or on behalf of an entity. H. Entity-specific Do Not Call list means a list of telephone numbers created to comply with Do Not Call requests. I. Established business relationship means a relationship between the telemarketing seller and a person based on: () the person s purchase, rental, or lease of the telemarketing seller s goods or services or a financial transaction between the person and the telemarketing seller, within the months immediately preceding the date of the telemarketing call; or () the person s inquiry or application regarding a product or service offered by the telemarketing seller, within the three months immediately preceding the date of the telemarketing call. J. Individual Defendant means Shane Michael Hanna also known as Shane Michael Romeo. K. National Do Not Call Registry means the National Do Not Call Registry, which is the do-not-call registry maintained by the Commission pursuant to C.F.R. 0.(b)()(iii)(B). L. New business means a business in which the prospective purchaser is not currently engaged, or a new line or type of business. M. Outbound telephone call means a telephone call initiated by a telemarketer to induce the purchase of goods or services or to solicit a charitable contribution. - -

5 Case :-cv-0-gms Document Filed 0// Page of 0 N. Person means a natural person, organization, or other legal entity, including a corporation, partnership, proprietorship, association, cooperative, government or governmental subdivision or agency, or any other group or combination acting as an entity. O. Personal Property means Individual Defendant s two American gold eagle coins and one Pamp Suisse gold bar, identified in Item and Attachment L of the Financial Statement of Individual Defendant dated November,. P. Phoenix Real Property means Individual Defendant s condominium situated in Phoenix, Arizona and identified on Item of the Financial Statement of Individual Defendant dated November,, together with any other structures, improvements, appurtenances, hereditaments, and other rights appertaining or belonging thereto. Q. Provide locations, outlets, accounts, or customers means furnishing the prospective purchaser with existing or potential locations, outlets, accounts, or customers; requiring, recommending, or suggesting one or more locators or lead generation companies; providing a list of locator or lead generating companies; collecting a fee on behalf of one or more locators or lead generating companies; offering to furnish a list of locations, outlets, accounts or customers; or otherwise assisting the prospective purchaser in obtaining his or her own locations, outlets, accounts, or customers. R. Real Property Net Proceeds means the total proceeds from the sale or auction of the Phoenix Real Property after payment of any reasonable and customary fees and costs, including real estate agent fees, auction fees, and escrow costs, incurred in connection with such sale or auction. S. Receiver means the receiver appointed by the Court pursuant to the Preliminary Injunction over the Corporate Defendants; ENF, LLC (also doing business as Network Market Solutions); and Universal Marketing and Training, LLC. T. Recreation Vehicle Net Proceeds means the proceeds from the sale or liquidation of Individual Defendant s Coachman trailer, 00 Bombardier jet ski, - -

6 Case :-cv-0-gms Document Filed 0// Page of 0 0 Polaris jet ski, and 0 Zieman jet ski trailer, identified in Item of the Financial Statement of Individual Defendant dated November, and ordered to be transferred to the Receiver and liquidated on December,, after payment of any reasonable and customary fees incurred in connection with such sale or liquidation. U. Required payment means all consideration that the purchaser must pay to the business opportunity seller or an entity controlled by, controlling, or under common control with a business opportunity seller, either by contract or practical necessity, as a condition of obtaining or commencing operation of the business opportunity. Such payment may be made directly or indirectly through a third party. V. Spratt Defendants means Stephen Spratt; ENF, LLC (also doing business as Network Market Solutions); Universal Marketing and Training, LLC; and their successors and assigns. W. Telemarketer means any person who, in connection with telemarketing, initiates or receives telephone calls to or from a customer or donor. X. Telemarketing means a plan, program, or campaign which is conducted to induce the purchase of goods or services or a charitable contribution, by use of one or more telephones and which involves more than one interstate telephone call. Telemarketing does not include catalog solicitations defined by C.F.R. 0. (cc) or any other act or practices exempt by C.F.R. 0.. Y. Telemarketing Sales Rule means the FTC Rule entitled Telemarketing Sales Rule, C.F.R. Part 0, attached hereto as Appendix B. Z. Telemarketing seller means any person who, in connection with a telemarketing transaction, provides, offers to provide, or arranges for others to provide goods or services to the customer in exchange for consideration whether or not such person is under the jurisdiction of the Commission. AA. Vehicle Net Proceeds means the proceeds from the sale or liquidation of any vehicle after payment of () any reasonable and customary fees incurred in connection with such sale or liquidation and () any remaining loan balance on the - -

7 Case :-cv-0-gms Document Filed 0// Page of 0 vehicle. BB. Work-at-home opportunity means any good, service, plan, program, or opportunity that is represented, expressly or by implication, to assist an individual in any manner to earn money while working from home, whether or not a business opportunity. ORDER I. BAN ON SALE OF BUSINESS OPPORTUNITIES AND WORK-AT-HOME OPPORTUNITIES IT IS ORDERED that Defendants, whether acting directly or through any intermediary, are permanently restrained and enjoined from: A. Advertising, marketing, promoting, or offering for sale, or assisting in the advertising, marketing, promoting, or offering for sale of any:. Business opportunity;. Work-at-home opportunity; or. Service to assist in the creation, advertising, marketing, promotion, or operation of a business opportunity or work-at-home opportunity, including services such as lead generation, marketing campaign management, website development, social media promotion, search engine optimization, training, and business establishment services; and B. Holding any ownership interest in any business, other than a publiclytraded company, that engages in or assists in advertising, marketing, promoting, or offering for sale of any:. Business opportunity;. Work-at-home opportunity; or. Service to assist in the creation, advertising, marketing, promotion, or operation of a business opportunity or work-at-home opportunity, including services such as lead generation, marketing campaign management, website development, social media promotion, search engine optimization, training, and - -

8 Case :-cv-0-gms Document Filed 0// Page of 0 business establishment services. II. PROHIBITION AGAINST MISREPRESENTATIONS IT IS FURTHER ORDERED that Defendants, Defendants officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, whether acting directly or indirectly, in connection with promoting or offering for sale any good or service are permanently restrained and enjoined from misrepresenting or assisting others in misrepresenting, expressly or by implication, any material fact, including but not limited to: A. That purchasers of the good or service will earn income; B. Any material term or condition of any refund or cancellation policy; and C. Any other fact material to consumers concerning any good or service, such as: costs; any material restrictions, limitations, or conditions; or any material aspect of its performance, efficacy, nature, or central characteristics. III. PROHIBITION AGAINST ABUSIVE TELEMARKETING PRACTICES IT IS FURTHER ORDERED that in connection with telemarketing, Defendants, Defendants officers, agents, servants, employees, and attorneys, and all other persons in active concert or participation with any of them, who receive actual notice of this Order, whether acting directly or indirectly, are hereby permanently restrained and enjoined from engaging in, causing other persons to engage in, and assisting other persons to engage in, violations of the Telemarketing Sales Rule, including, but not limited to: A. Initiating any outbound telephone call to any person at a telephone number on the National Do Not Call Registry unless Defendants prove that:. The telemarketing seller has obtained the express agreement, in writing, of such person to place calls to that person. Such written agreement shall clearly evidence such person s authorization that calls made by or on behalf of a - -

9 Case :-cv-0-gms Document Filed 0// Page of 0 specific party may be placed to that person, and shall include the telephone number to which the calls may be placed and the signature of that person; or. The telemarketing seller has an established business relationship with such person and that person has not previously stated that he or she does not wish to receive outbound telephone calls made by or on behalf of the telemarketing seller; B. Initiating any outbound telephone call to a telephone number within a given area code when the annual fee for access to the telephone numbers within that area code that are on the National Do Not Call Registry has not been paid by or on behalf of the telemarketing seller on whose behalf the telephone call is made, unless the telephone call is:. a solicitation to induce charitable contributions;. to a business; or. on behalf of a telemarketing seller who initiates, or causes others to initiate, telephone calls solely to (a) persons who have given the telemarketing seller their express agreement, in writing and signed, to receive calls from that telemarketing seller, or (b) persons who have an established business relationship with that telemarketing seller; C. Initiating any outbound telephone call that delivers a prerecorded message, other than a prerecorded message permitted for compliance with the call abandonment safe harbor in C.F.R. 0.(b)()(iii), unless:. prior to making any such call to induce the purchase of any good or service, the telemarketing seller has obtained from the recipient of the call an express agreement, in writing, that: a. the telemarketing seller obtained only after a clear and conspicuous disclosure that the purpose of the agreement is to authorize the telemarketing seller to place prerecorded calls to such person; b. the telemarketing seller obtained without requiring, directly - -

10 Case :-cv-0-gms Document Filed 0// Page 0 of 0 or indirectly, that the agreement be executed as a condition of purchasing any good or service; c. evidences the willingness of the recipient of the call to receive calls that deliver prerecorded messages by or on behalf of a specific telemarketing seller; and d. includes such person s telephone number and signature; and. in any such call to induce the purchase of any good or service, or to induce a charitable contribution from a member of, or previous donor to, a nonprofit charitable organization on whose behalf the call is made, the telemarketing seller or telemarketer: a. allows the telephone to ring for at least seconds or four rings before disconnecting an unanswered call; and b. within two seconds after the completed greeting of the person called, plays a prerecorded message that promptly provides the disclosures required by C.F.R. 0.(d) or (e), followed immediately by a disclosure of one or both of the following: ) in the case of a call that could be answered in person by a consumer, that the person called can use an automated interactive voice and/or keypress-activated opt-out mechanism to assert a do-not-call request pursuant to C.F.R. 0.(b)()(iii)(A) at any time during the message. The mechanism must: a) automatically add the number called to the telemarketing seller s entity-specific Do Not Call list; b) once invoked, immediately disconnect the call; c) be available for use at any time during the message; and ) in the case of a call that could be answered by an - 0 -

11 Case :-cv-0-gms Document Filed 0// Page of 0 answering machine or voic service, that the person called can use a toll free-number to assert a do-not-call request pursuant to C.F.R. 0.(b)()(iii)(A). The number provided must connect directly to an automated interactive voice or keypress-activated optout mechanism that: a) automatically adds the number called to the telemarketing seller s entity-specific Do Not Call list; b) immediately thereafter disconnects the call; and is accessible at any time throughout the duration of the telemarketing campaign; and c) complies with all other requirements of the Telemarketing Sales Rule and other applicable federal and state laws. IV. MONETARY JUDGMENT AND PARTIAL SUSPENSION IT IS FURTHER ORDERED that: A. Judgment in the amount of Five Million, Four Hundred Twenty-Four Thousand, Four Hundred Forty-Six Dollars ($,,) is entered in favor of the Commission against Individual Defendant and Corporate Defendants, jointly and severally, as equitable monetary relief. B. Arizona Federal Credit Union is ordered, within seven days of entry of this Order, to transfer all funds held in the following accounts to the Commission by electronic fund transfer in accordance with instructions provided by a representative of the Commission:. Account No. xx0, held in the name of Shane Michael Hanna; and. Account No. xx, held in the name of Shane Michael Hanna and Danelle A. McKenney. Individual Defendant is ordered to fully cooperate with Arizona Federal Credit Union and - -

12 Case :-cv-0-gms Document Filed 0// Page of 0 the Commission in transferring such funds to the Commission, including promptly signing any document necessary or appropriate to transfer such funds to the Commission. C. Individual Defendant is ordered, within seven days of entry of this Order, to transfer possession of the Personal Property to the Receiver in accordance with instructions provided by the Commission or the Receiver to Individual Defendant. The Receiver is authorized to promptly liquidate such property without further order of this Court and transfer the proceeds of the liquidation to the Commission. Individual Defendant shall take all steps necessary to assist the Commission or the Receiver in the liquidation of such property, including signing any document necessary to transfer ownership. In the event that it is necessary for Individual Defendant to execute documents to facilitate the liquidation of such property, he shall execute and return such documents within three days of a request from the Commission or the Receiver. D. Individual Defendant is ordered, within seven days of entry of this Order, to transfer possession of Individual Defendant s Cadillac Escalade ESV, identified in Item of the Financial Statement of Individual Defendant dated November, to the Receiver. The Receiver is authorized and directed to promptly liquidate the vehicle without further order of this Court and transfer the Vehicle Net Proceeds to the Commission after paying any remaining loan balance on the Cadillac to JP Morgan Chase Bank. Individual Defendant is ordered to take all steps necessary to assist the Receiver in the sale of the Cadillac and shall not add any encumbrances to the vehicle. In the event that it is necessary for Individual Defendant to execute documents to facilitate the liquidation of the vehicle, Individual Defendant is ordered to execute such documents within three days of a request from the Commission or the Receiver. Individual Defendant is further ordered to maintain insurance on the Cadillac in an amount of not less than the full replacement amount of the vehicle until the vehicle is liquidated by the Receiver pursuant to this Subsection IV.D. In the event that the Cadillac suffers any loss or damage covered by such insurance policy, Individual Defendant is ordered to make such claims that are permitted by the insurance policy and assign or remit any insurance - -

13 Case :-cv-0-gms Document Filed 0// Page of 0 payment he receives as a result of such loss or damage to the Commission. Individual Defendant is ordered to keep the Cadillac in good repair and to timely pay all registration fees, loan payments, and all other attendant expenses related to the maintenance and ownership of the vehicle until it is liquidated by the Receiver as required by this Subsection IV.D. E. Individual Defendant is ordered to liquidate the Phoenix Real Property and turn over all Real Property Net Proceeds to the Commission within seven days of the closing of any sale or auction by electronic fund transfer in accordance with instructions previously provided by a representative of the Commission to Individual Defendant. In liquidating the Phoenix Real Property, Individual Defendant is ordered to:. Market in a commercially reasonable manner and sell the Phoenix Real Property for fair market value within 0 days of entry of this Order. In marketing the Phoenix Real Property, Individual Defendant is ordered to have the Phoenix Real Property listed on the multiple listing service until it is sold.. In the event that the Phoenix Real Property does not sell as set forth in Subsection IV.E. of this Order, Individual Defendant is ordered to promptly have the Phoenix Real Property auctioned by an auction company at a public auction to be held as soon as practicable and, in no event, not more than days from the date of entry of this Order.. Individual Defendant is ordered to keep the Phoenix Real Property in good repair and to timely pay all taxes, fees, association dues, and all other attendant expenses related to the maintenance and ownership of the Phoenix Real Property until paying the Commission as required by this Subsection IV.E. Individual Defendant is further ordered to maintain insurance on the Phoenix Real Property in an amount not less than the full replacement value of the Phoenix Real Property until paying the Commission as required by this Subsection IV.E. In the event the Phoenix Real Property suffers any loss or damage covered by such insurance policy, Individual Defendant is ordered to make such claims that are - -

14 Case :-cv-0-gms Document Filed 0// Page of 0 permitted by the insurance policy and shall assign or remit any such insurance payment he receives as a result of such loss or damage to the Commission. F. Defendants hereby grant to the Commission all rights and claims they have to any asset currently in the possession, custody, or control of the Receiver, including, but not limited to, any customer lists, customer information, lead lists, computers, servers, and all funds transferred to the Receiver from the following accounts:. Accounts at Arizona Federal Credit Union: a. Account Number *, held in the name of Safe Card;. Accounts at Bank of America: a. Account Numbers * and *, held in the name of Complete Market Share; b. Account Numbers *, * and *, held in the name of ENF, LLC; c. Account Number *00, held in the name of United Merchant; and d. Account Numbers *, *0, * and *0, held in the name of Universal Marketing;. Accounts at Compass Bank: a. Account Number *0, held in the name of American Business Builders; and b. Account Number *, held in the name of UMS Group;. Accounts at EVO Merchant Services, LLC: a. Account Number *0, held in the name of Pinnacle Marketing Group; and b. Account Numbers * and *, held in the name of Safe Card, LLC;. Accounts at Global Payments Direct, Inc.: a. Account Number *, held in the name of American - -

15 Case :-cv-0-gms Document Filed 0// Page of 0 Business Brokers, doing business as UMS; b. Account Number *, held in the name of Cash Flow Capital; c. Account Number *, held in the name of EBiz, LLC; d. Account Number *, held in the name of Pinnacle Marketing; and. Accounts at Nevada State Bank: a. Account Numbers *0, *0, * and 0, held in the name of American Business Brokers; and b. Account Numbers *0, *0, *00 and *0, held in the name of ENF, LLC. G. Defendants hereby grant to the Commission all rights and claims they have to any funds, including any funds held in a reserve account or as a reserve balance, in the possession of any person, including any financial institution, and specifically including Global Payments Direct, Inc., Trust One Payment Services, Inc., and HSBC Bank USA. H. Upon such payment and all other asset transfers set forth in Subsections IV.B through IV.G of this Order, the remainder of the judgment as to Individual Defendant and UMS Group, LLC is suspended, subject to the Subsections below. I. The Commission s agreement to the suspension of part of the judgment is expressly premised upon the truthfulness, accuracy, and completeness of Individual Defendant s and UMS Group, LLC s sworn financial statements and related documents (collectively, financial representations ) submitted to the Commission, namely:. The Financial Statement of Individual Defendant signed on November,, including all attachments, submitted via on November,, at :0 pm;. The supplemental Financial Statement of Individual Defendant submitted via on March,, at : pm;. The deposition of Shane Michael Hanna taken by counsel for the - -

16 Case :-cv-0-gms Document Filed 0// Page of 0 Commission on December, ;. The Financial Statement of UMS Group, LLC, signed by Individual Defendant on July, and submitted via on July,, at : pm; and. All other documents identified on Appendix A attached hereto. J. The suspension of the judgment will be lifted as to any Defendant if, upon motion by the Commission, the Court finds that Defendant failed to disclose any material asset, materially misstated the value of any asset, or made any other material misstatement or omission in the financial representations identified above. K. If the suspension of the judgment is lifted, the judgment becomes immediately due as to that Defendant in the amount specified in Subsection IV.A above (which the parties stipulate only for purposes of this Section represents the consumer injury alleged in the Complaint), less any payment previously made pursuant to this Section, plus interest computed from the date of entry of this Order. V. ADDITIONAL MONETARY PROVISIONS IT IS FURTHER ORDERED that: A. Defendants relinquish dominion and all legal and equitable right, title, and interest in all assets transferred pursuant to this Order and may not seek the return of any assets. B. The facts alleged in the Complaint will be taken as true, without further proof, in any subsequent civil litigation by or on behalf of the Commission, including in a proceeding to enforce its rights to any payment or monetary judgment pursuant to this Order, such as a nondischargeability complaint in any bankruptcy case. C. The facts alleged in the Complaint establish all elements necessary to sustain an action by the Commission pursuant to Section (a)()(a) of the Bankruptcy Code, U.S.C. (a)()(a), and this Order will have collateral estoppel effect for such purposes. - -

17 Case :-cv-0-gms Document Filed 0// Page of 0 D. Defendants acknowledge that their Taxpayer Identification Numbers (Social Security Numbers or Employer Identification Numbers), which Defendants previously submitted to the Commission, may be used for collecting and reporting on any delinquent amount arising out of this Order, in accordance with U.S.C. 0. E. All money paid to the Commission pursuant to this Order may be deposited into a fund administered by the Commission or its designee to be used for equitable relief, including consumer redress and any attendant expenses for the administration of any redress fund. If a representative of the Commission decides that direct redress to consumers is wholly or partially impracticable or money remains after redress is completed, the Commission may apply any remaining money for such other equitable relief (including consumer information remedies) as it determines to be reasonably related to Defendants practices alleged in the Complaint. Any money not used for such equitable relief is to be deposited to the U.S. Treasury as disgorgement. Defendants have no right to challenge any actions the Commission or its representatives may take pursuant to this Subsection. F. The asset freeze set forth in Section III of the Preliminary Injunction shall remain in full force and effect until the completion of all payments and transfers set forth in Section IV of this Order, except that the asset freeze is modified to permit the payments and transfers identified in Section IV of this Order. Upon completion of all payments and transfers required by Section IV of this Order, the asset freeze as to Defendants is dissolved. G. If any Defendant fails to pay fully the amount due at the time specified, Defendants must cooperate fully with the Commission and their representatives in all attempts to collect the judgment. In such an event, Defendants agree to provide federal and state tax returns for the preceding two years, and to complete new financial disclosure forms fully and accurately within 0 business days of receiving a request from the Commission. Defendants further authorize the Commission to verify all information provided on their financial disclosure forms with all appropriate third parties, including - -

18 Case :-cv-0-gms Document Filed 0// Page of 0 financial institutions. VI. CUSTOMER INFORMATION IT IS FURTHER ORDERED that Defendants, Defendants officers, agents, servants, employees, and attorneys, and all other persons in active concert of participation with any of them, who receive actual notice of this Order, are permanently restrained and enjoined from directly or indirectly: A. Failing to provide sufficient customer information to enable the Commission to efficiently administer consumer redress. If a representative of the Commission requests in writing any information related to redress, Defendants must provide it, in the form prescribed by the Commission, within days. B. Disclosing, using, or benefitting from customer or consumer lead information, including the name, address, telephone number, address, social security number, other identifying information, or any data that enables access to a customer s account (including a credit card, bank account, or other financial account), that any Defendant obtained prior to entry of this Order; and C. Failing to destroy such customer or consumer lead information in all forms in their possession, custody, or control within 0 days after receipt of written direction to do so from a representative of the Commission. Provided, however, that customer information need not be disposed of, and may be disclosed, to the extent requested by a government agency or required by law, regulation, or court order. VII. COOPERATION IT IS FURTHER ORDERED that: A. Defendants must fully cooperate with representatives of the Commission in this case and in any investigation related to or associated with the transactions or the occurrences that are the subject of the Complaint. Defendants must also fully cooperate - -

19 Case :-cv-0-gms Document Filed 0// Page of 0 with representatives of the Commission in obtaining possession of any assets granted to the Commission by Defendants, including any funds held in a reserve account or as a reserve balance by Global Payments Direct, Inc., Trust One Payment Services, Inc., HSBC Bank USA, or any other person. Defendants must provide truthful and complete information, evidence, and testimony. Individual Defendant must appear and Corporate Defendants must cause Corporate Defendants officers, employees, representatives, or agents to appear for interviews, discovery, hearings, trials, and any other proceedings that a Commission representative may reasonably request upon five days written notice, or other reasonable notice, at such places and times as a Commission representative may designate, without the service of a subpoena; B. Defendants must fully cooperate with the Receiver as set forth in Section XII of the Preliminary Injunction until the receivership is dissolved. / / / VIII. ORDER ACKNOWLEDGMENTS IT IS FURTHER ORDERED that Defendants obtain acknowledgments of receipt of this Order. A. Each Defendant, within seven days of entry of this Order, must submit to the Commission an acknowledgment of receipt of this Order sworn under penalty of perjury. B. For five years after entry of this Order, Individual Defendant for any business that such Individual Defendant (individually or collectively with any other Defendant, Spratt Defendant, or any person who worked for any Defendant or Spratt Defendant) is the majority owner or controls directly or indirectly, and each Corporate Defendant, must deliver a copy of this Order to: () all principals, officers, directors, and LLC managers and members; () all employees, agents, and representatives who participate in conduct related to the subject matter of this Order; and () any business entity resulting from any change in structure as set forth in the Section titled Compliance - -

20 Case :-cv-0-gms Document Filed 0// Page of 0 Reporting. Delivery must occur within seven days of entry of this Order for current personnel. For all others, delivery must occur before they assume their responsibilities. C. From each individual or entity to which a Defendant delivered a copy of this Order, that Defendant must obtain, within 0 days, a signed and dated acknowledgment of receipt of this Order. IX. COMPLIANCE REPORTING IT IS FURTHER ORDERED that Defendants make timely submissions to the Commission: A. One year after entry of this Order, each Defendant must submit a compliance report, sworn under penalty of perjury:. Each Defendant must: (a) identify the primary physical, postal, and address and telephone number, as designated points of contact, which representatives of the Commission may use to communicate with such Defendant; (b) identify all of such Defendant s businesses by all of their names, telephone numbers, and physical, postal, , and Internet addresses; (c) describe the activities of each business, including the goods and services offered, the means of advertising, marketing, and sales, and the involvement of any other Defendant (which Individual Defendants must describe if they know or should know due to their own involvement); (d) describe in detail whether and how such Defendant is in compliance with each Section of this Order; and (e) provide a copy of each Order Acknowledgment obtained pursuant to this Order, unless previously submitted to the Commission.. Additionally, each Individual Defendant must: (a) identify all his telephone numbers and all physical, postal, and Internet addresses, including all residences; (b) identify all business activities, including any business for which such Defendant performs services whether as an employee or otherwise, and any entity in which such Defendant has any ownership interest; and (c) describe in - -

21 Case :-cv-0-gms Document Filed 0// Page of 0 detail such Defendant s involvement in each such business, including title, role, responsibilities, participation, authority, control, and any ownership. B. For years after entry of this Order, each Defendant must submit a compliance notice, sworn under penalty of perjury, within days of any change in the following:. Each Defendant must report any change in: (a) any designated point of contact; or (b) the structure of any Corporate Defendant or any entity that Defendant has any ownership interest in or controls directly or indirectly that may affect compliance obligations arising under this Order, including: creation, merger, sale, or dissolution of the entity or any subsidiary, parent, or affiliate that engages in any acts or practices subject to this Order.. Additionally, each Individual Defendant must report any change in: (a) name, including aliases or fictitious name, or residence address; or (b) title or role in any business activity, including any business for which such Defendant performs services whether as an employee or otherwise, and any entity in which such Defendant has any ownership interest, and identify the name, physical address, and any Internet address of the business or entity. C. Each Defendant must submit to the Commission notice of the filing of any bankruptcy petition, insolvency proceeding, or similar proceeding by or against such Defendant within days of its filing. D. Any submission to the Commission required by this Order to be sworn under penalty of perjury must be true and accurate and comply with U.S.C., such as by concluding: I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on: and supplying the date, signatory s full name, title (if applicable), and signature. E. Unless otherwise directed by a Commission representative in writing, all submissions to the Commission pursuant to this Order must be ed to or sent by overnight courier (not the U.S. Postal Service) to: Associate - -

22 Case :-cv-0-gms Document Filed 0// Page of 0 Director for Enforcement, Bureau of Consumer Protection, Federal Trade Commission, 00 Pennsylvania Avenue NW, Washington, DC 0. The subject line must begin: FTC v. American Business Builders, LLC, et al., X00. X. RECORDKEEPING IT IS FURTHER ORDERED that Defendants must create certain records for years after entry of the Order, and retain each such record for five years. Specifically, Corporate Defendants and Individual Defendant for any business that such Defendant (individually or collectively with any other Defendant, Spratt Defendant, or any person who worked for any Defendant or Spratt Defendant) is a majority owner or controls directly or indirectly, must create and retain the following records: A. Accounting records showing the revenues from all goods or services sold; B. Personnel records showing, for each person providing services, whether as an employee or otherwise, that person s: name; addresses; telephone numbers; job title or position; dates of service; and (if applicable) the reason for termination; C. Records of all consumer complaints and refund requests, whether received directly or indirectly, such as through a third party, and any response; D. Records of all chargeback requests; E. Copies of all sales scripts, training materials, advertisements, or other marketing materials; F. Copies of all merchant card applications and agreements; and G. All records necessary to demonstrate full compliance with each provision of this Order, including all submissions to the Commission. XI. COMPLIANCE MONITORING IT IS FURTHER ORDERED that, for the purpose of monitoring Defendants compliance with this Order, including the financial representations upon which part of the judgment was suspended and any failure to transfer any assets as required by this - -

23 Case :-cv-0-gms Document Filed 0// Page of 0 Order: A. Within days of receipt of a written request from a representative of the Commission, each Defendant must: submit additional compliance reports or other requested information, which must be sworn under penalty of perjury; appear for depositions; and produce documents for inspection and copying. The Commission is also authorized to obtain discovery, without further leave of court, using any of the procedures prescribed by Federal Rules of Civil Procedure, 0 (including telephonic depositions),,,,,, and. B. For matters concerning this Order, the Commission is authorized to communicate directly with each Defendant. Defendant must permit representatives of the Commission to interview any employee or other person affiliated with any Defendant who has agreed to such an interview. The person interviewed may have counsel present. C. The Commission may use all other lawful means, including posing, through its representatives as consumers, suppliers, or other individuals or entities, to Defendants or any individual or entity affiliated with Defendants, without the necessity of identification or prior notice. Nothing in this Order limits the Commission s lawful use of compulsory process, pursuant to Sections and of the FTC Act, U.S.C., b-. XII. RECEIVERSHIP IT IS FURTHER ORDERED that: A. Robb Evans and Associates, LLC, shall continue as Receiver over the Corporate Defendants as set forth in Section X of the Preliminary Injunction; B. The Receiver is authorized and directed to liquidate all assets and finalize the affairs of the Corporate Defendants as soon as practicable; C. Upon liquidation of Corporate Defendants assets and finalizing the affairs of the Corporate Defendants, the Receiver shall submit () a final report describing the Receivers activities and () a final application for compensation; - -

24 Case :-cv-0-gms Document Filed 0// Page of 0 D. Upon the Court s approval of the Receiver s final application for compensation, the Receiver is ordered, within days, to pay all remaining funds, Recreational Vehicle Net Proceeds, Vehicle Net Proceeds, and the proceeds of the liquidation of the Personal Property to the Commission by electronic fund transfer in accordance with instructions provided by a representative of the Commission to the Receiver in partial satisfaction of the Judgment in Section IV; and E. Upon termination of the Receivership and with at least days notice to counsel for the Commission, the Receiver may dispose of or destroy any records and documents of the Corporate Defendants in the Receiver s possession, custody, or control as the Receiver sees fit, except any documents or records that the Commission directs the Receiver to transfer to the Commission or its designee. The Commission or its designee may dispose of or destroy any records and documents received from the Receiver as it sees fit. XIII. RETENTION OF JURISDICTION IT IS FURTHER ORDERED that this Court retains jurisdiction of this matter for purposes of construction, modification, and enforcement of this Order. Dated this th day of May,. - -

25 Case :-cv-0-gms Document Filed 0// Page of 0 Appendix A The following documents are part of the financial representations submitted to the Commission as set forth in Section IV.I of the Order:. All documents and information submitted via on April,, at :0 pm including photographs of Individual Defendant s Cadillac Escalade;. All documents and information submitted via on February,, at :0 pm and January,, at : am, including statements concerning Individual Defendant s prior employment;. The September, letter from Booker T. Evans regarding Individual Defendant s Second Supplemental Response/Objections to Plaintiff s Request for Production of Documents submitted via on September,, at : pm;. The September, Supplemental Responses/Objections to Plaintiff s Request for Production of Documents submitted via on September,, at 0: am, including the verification signed by Individual Defendant;. All documents and information submitted via on August,, at : pm, including documents from BBVA Compass bank;. The August, Responses/Objections to Plaintiff s Request for Production of Documents submitted via on August,, at : pm;. All documents and information submitted via on August,, at : am, including the statement concerning Individual Defendant s employment;. All documents and information submitted via on August,, at : am;. All documents and information submitted via on July,, at : am, including documents from BBVA Compass bank; 0. All documents and information submitted via on July,, at : pm;. All documents and information submitted on June,, at : am, including documents from Franklin American Mortgage Company and City First Mortgage Services, LLC; - -

26 Case :-cv-0-gms Document Filed 0// Page of 0. All documents and information submitted on June,, at : pm, including documents from BBVA Compass bank;. All documents and information submitted via on May,, at : pm, including attachments A through Q;. All documents and information submitted on April,, at :0 pm, :0 pm, and :0 pm, including information concerning the safe deposit box of Danelle McKenney and the tax returns of Individual Defendant and Danelle McKenney;. All information submitted via on April,, at 0: am;. All documents and information submitted via on April 0,, at :0 pm, including invoices and the statement of Individual Defendant;. All documents and information submitted via on March,, at :0 pm, including the response to the Commission s letter dated March,, the statement of Individual Defendant, and the spreadsheet;. The notebook of information submitted on February, ;. All documents and information submitted via on February,, at : pm and : pm, including the personal statement and spreadsheet;. All documents and information submitted via on January,, at : pm, including account statements, loan statements, credit card statements, and spreadsheets;. All documents and information submitted via on December 0,, at :0 pm and :0 pm, including the tax return of Individual Defendant and Danelle McKenney, the tax return for E-Biz Financial Group, LLC, the 0 tax return of Individual Defendant, the financial statements for American Business Builders, LLC; United Merchant Services, LLC; UMS Group, LLC; and Unlimited Training Services, LLC; and / / / / / / - -

27 Case :-cv-0-gms Document Filed 0// Page of 0 All documents and information submitted via on November,, at : pm, including the form 0-Misc to Individual Defendant from PMG Marketing Group, LLC. - -

28 Case :-cv-0-gms Document Filed 0// Page of Appendix B

29 Case :-cv-0-gms Document Filed 0// Page of Appendix B

30 Case :-cv-0-gms Document Filed 0// Page 0 of Appendix B 0

31 Case :-cv-0-gms Document Filed 0// Page of Appendix B

32 Case :-cv-0-gms Document Filed 0// Page of Appendix B

33 Case :-cv-0-gms Document Filed 0// Page of Appendix B

34 Case :-cv-0-gms Document Filed 0// Page of Appendix B

35 Case :-cv-0-gms Document Filed 0// Page of Appendix B

36 Case :-cv-0-gms Document Filed 0// Page of Appendix B

37 Case :-cv-0-gms Document Filed 0// Page of Appendix B

38 Case :-cv-0-gms Document Filed 0// Page of Appendix B

39 Case :-cv-0-gms Document Filed 0// Page of Appendix B

40 Case :-cv-0-gms Document Filed 0// Page 0 of Appendix B 0

41 Case :-cv-0-gms Document Filed 0// Page of Appendix B

Case 0:15-cv-60423-WJZ Document 6-2 Entered on FLSD Docket 03/03/2015 Page 1 of 21

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